Credit Quality (Tables)

9 Months Ended

Sep. 30, 2026

Schedule of Age Analysis of its Past Due Loans, Segregated by Class of Loans and Leases

The following table sets forth United’s age analysis of its past due loans and leases, segregated by class of loans and leases:


Age Analysis of Past Due Loans and Leases
As of September 30, 2026
	30-89 Days Past Due		90 Days or more Past Due		Total Past Due		Current & Other		Total Financing Receivables		90 Days or More Past Due & Accruing
Commercial real estate:
Owner-occupied	$	6,935	$	1,444	$	8,379	$	2,168,914	$	2,177,293	$	0
Nonowner-occupied		39,976		78,140		118,116		8,915,084		9,033,200		3,499
Other commercial		8,150		7,354		15,504		3,759,148		3,774,652		649
Residential real estate		32,110		19,442		51,552		6,205,960		6,257,512		5,602
Construction & land development		1,704		2,681		4,385		3,394,041		3,398,426		0
Consumer:
Bankcard		82		47		129		9,086		9,215		47
Other consumer		8,665		786		9,451		813,733		823,184		190

Total	$	97,622	$	109,894	$	207,516	$	25,265,966	$	25,473,482	$	9,987


Age Analysis of Past Due Loans and Leases
As of December 31, 2025
	30-89 Days Past Due		90 Days or more Past Due		Total Past Due		Current & Other		Total Financing Receivables		90 Days or More Past Due & Accruing
Commercial real estate:
Owner-occupied	$	4,754	$	1,830	$	6,584	$	2,139,337	$	2,145,921	$	81
Nonowner-occupied		7,598		71,038		78,636		8,264,884		8,343,520		0
Other commercial		2,490		6,569		9,059		3,775,774		3,784,833		591
Residential real estate		25,026		19,124		44,150		6,054,112		6,098,262		3,701
Construction & land development		1,508		1,301		2,809		3,568,093		3,570,902		0
Consumer:
Bankcard		28		54		82		9,604		9,686		54
Other consumer		13,661		1,550		15,211		752,285		767,496		547

Total	$	55,065	$	101,466	$	156,531	$	24,564,089	$	24,720,620	$	4,974

Schedule of Nonaccrual Loans, Segregated by Class of Loans and Leases

The following table sets forth United’s nonaccrual loans and leases, segregated by class of loans and leases:


	At September 30, 2026				At December 31, 2025
	Nonaccruals		With No Related Allowance for Credit Losses		Nonaccruals		With No Related Allowance for Credit Losses
Commercial Real Estate:
Owner-occupied	$	1,444	$	1,444	$	1,749	$	1,749
Nonowner-occupied		74,641		74,641		71,038		71,038
Other Commercial		6,705		4,242		5,978		3,515
Residential Real Estate		13,840		13,840		15,423		15,423
Construction		2,681		2,143		1,301		1,301
Consumer:
Bankcard		0		0		0		0
Other consumer		596		596		1,003		1,003

Total	$	99,907	$	96,906	$	96,492	$	94,029

Schedule of Amortized Cost Basis of Loan Modifications Made to Borrowers


	Amortized Cost Basis of Loan Modifications Made to Borrowers Experiencing Financial Difficulty
	For the Three Months ended September 30, 2026
	Term Extension		Other-Than- Insignificant Payment Delay		Term Extension & Interest Rate Reduction		Term Extension & Payment Delay		% of Total Class of Financing Receivable
Commercial real estate:
Owner-occupied	$	0	$	0	$	0	$	0		0.00	%
Nonowner-occupied		0		0		0		0		0.00	%
Other commercial		2,487		902		0		0		0.09	%
Residential real estate		0		2,807		0		0		0.04	%
Construction & land development		0		0		0		0		0.00	%
Consumer:
Bankcard		0		0		0		0		0.00	%
Other consumer		0		0		0		0		0.00	%

Total	$	2,487	$	3,709	$	0	$	0		0.02	%


	Amortized Cost Basis of Loan Modifications Made to Borrowers Experiencing Financial Difficulty
	For the Three Months ended September 30, 2025
	Term Extension		Other-Than- Insignificant Payment Delay		Term Extension & Interest Rate Reduction		Term Extension & Payment Delay		% of Total Class of Financing Receivable
Commercial real estate:
Owner-occupied	$	0	$	0	$	0	$	0		0.00	%
Nonowner-occupied		0		0		0		0		0.00	%
Other commercial		0		0		0		0		0.00	%
Residential real estate		78		0		0		0		0.00	%


	Amortized Cost Basis of Loan Modifications Made to Borrowers Experiencing Financial Difficulty
	For the Three Months ended September 30, 2025
	Term Extension		Other-Than- Insignificant Payment Delay		Term Extension & Interest Rate Reduction		Term Extension & Payment Delay		% of Total Class of Financing Receivable
Construction & land development		0		0		0		0		0.00	%
Consumer:
Bankcard		0		0		0		0		0.00	%
Other consumer		0		0		0		0		0.00	%

Total	$	78	$	0	$	0	$	0		0.00	%


	Amortized Cost Basis of Loan Modifications Made to Borrowers Experiencing Financial Difficulty
	For the Nine Months ended September 30, 2026
	Term Extension		Other-Than- Insignificant Payment Delay		Term Extension & Interest Rate Reduction		Term Extension & Payment Delay		% of Total Class of Financing Receivable
Commercial real estate:
Owner-occupied	$	1,206	$	37	$	0	$	0		0.06	%
Nonowner-occupied		0		0		0		0		0.00	%
Other commercial		2,487		902		0		0		0.09	%
Residential real estate		0		2,976		0		0		0.05	%
Construction & land development		0		0		0		0		0.00	%
Consumer:
Bankcard		0		0		0		0		0.00	%
Other consumer		0		0		0		0		0.00	%

Total	$	3,693	$	3,915	$	0	$	0		0.03	%


	Amortized Cost Basis of Loan Modifications Made to Borrowers Experiencing Financial Difficulty
	For the Nine Months ended September 30, 2025
	Term Extension		Other-Than- Insignificant Payment Delay		Term Extension & Interest Rate Reduction		Term Extension & Payment Delay		% of Total Class of Financing Receivable
Commercial real estate:
Owner-occupied	$	8,402	$	0	$	0	$	3,466		0.56	%
Nonowner-occupied		5,686		4,616		5,341		0		0.19	%
Other commercial		1,477		0		0		0		0.04	%
Residential real estate		78		0		0		0		0.00	%
Construction & land development		0		0		0		0		0.00	%
Consumer:
Bankcard		0		0		0		0		0.00	%
Other consumer		0		0		0		0		0.00	%

Total	$	15,643	$	4,616	$	5,341	$	3,466		0.12	%

Schedule of Amortized Cost Basis Payment Status


	Payment Status (Amortized Cost Basis)
	As of September 30, 2026						As of September 30, 2025
	Current		30-89 Days Past Due		90+ Days Past Due		Current		30-89 Days Past Due		90+ Days Past Due
Commercial real estate:
Owner-occupied	$	1,244	$	0	$	0	$	11,868	$	0	$	0
Nonowner-occupied		1,395		1,813		0		11,291		4,399		0
Other commercial		3,389		0		0		1,477		0		0
Residential real estate		2,976		0		0		243		0		0
Construction & land development		0		0		0		43		0		0
Consumer:
Bankcard		0		0		0		0		0		0
Other consumer		0		0		0		0		0		0

Total	$	9,004	$	1,813	$	0	$	24,922	$	4,399	$	0

Schedule of Financial Effect of Loan and Lease Modifications

The following table presents the financial effect of loan and lease modifications to borrowers experiencing financial difficulty for the three and nine months ended September 30, 2026 and 2025.


	For the Three Months Ended							For the Three Months Ended
	September 30, 2026							September 30, 2025
	Weighted- Average Interest Rate Reduction			Weighted Average Payment Delay (in years)		Weighted Average Term Extension (in years)		Weighted- Average Interest Rate Reduction			Weighted Average Payment Delay (in years)		Weighted Average Term Extension (in years)
Commercial Real Estate:
Owner-occupied		0.00	%		0		0		0.00	%		0		0
Nonowner-occupied		0.00	%		0		0		0.00	%		0		0
Other Commercial		0.00	%		0.2		0.3		0.00	%		0		0
Residential Real Estate		0.00	%		1.0		0		0.00	%		0		0.3
Construction & land development		0.00	%		0		0		0.00	%		0		0
Consumer:
Bankcard		0.00	%		0		0		0.00	%		0		0
Other consumer		0.00	%		0		0		0.00	%		0		0


	For the Nine Months Ended							For the Nine Months Ended
	September 30, 2026							September 30, 2025
	Weighted- Average Interest Rate Reduction			Weighted Average Payment Delay (in years)		Weighted Average Term Extension (in years)		Weighted- Average Interest Rate Reduction			Weighted Average Payment Delay (in years)		Weighted Average Term Extension (in years)
Commercial Real Estate:
Owner-occupied		0.00	%		1.0		3.3		0.50	%		2.4		0.5
Nonowner-occupied		0.00	%		0		0		0.50	%		2.0		0.4
Other Commercial		0.00	%		0.2		0.3		0.00	%		0		0.1


	For the Nine Months Ended							For the Nine Months Ended
	September 30, 2026							September 30, 2025
	Weighted- Average Interest Rate Reduction			Weighted Average Payment Delay (in years)		Weighted Average Term Extension (in years)		Weighted- Average Interest Rate Reduction			Weighted Average Payment Delay (in years)		Weighted Average Term Extension (in years)
Residential Real Estate		0.00	%		1.0		0		0.00	%		0		0.3
Construction & land development		0.00	%		0		0		0.00	%		0		0
Consumer:
Bankcard		0.00	%		0		0		0.00	%		0		0
Other consumer		0.00	%		0		0		0.00	%		0		0

Schedule of Amortized Cost Loans and Leases Pledged As Collateral

The following table presents the amortized cost basis of collateral-dependent loans and leases in which repayment is expected to be derived substantially through the operation or sale of the collateral and where the borrower is experiencing financial difficulty, by class of loans and leases as of September 30, 2026 and December 31, 2025:


	Collateral Dependent Loans and Leases
	At September 30, 2026
	Residential Property		Business Assets		Land		Commercial Property		Other		Total
Commercial real estate:
Owner-occupied	$	0	$	0	$	0	$	2,690	$	23,146	$	25,836
Nonowner-occupied		5,643		0		12		85,230		28,255		119,140
Other commercial		0		6,928		0		4,795		2,779		14,502
Residential real estate		5,317		0		200		0		2		5,519
Construction & land development		1,421		0		2,316		0		0		3,737
Consumer:
Bankcard		0		0		0		0		0		0
Other consumer		0		0		0		0		0		0

Total	$	12,381	$	6,928	$	2,528	$	92,715	$	54,182	$	168,734


	Collateral Dependent Loans and Leases
	At December 31, 2025
	Residential Property		Business Assets		Land		Commercial Property		Other		Total
Commercial real estate:
Owner-occupied	$	0	$	0	$	0	$	3,094	$	19,366	$	22,460
Nonowner-occupied		6,830		0		0		84,786		38,761		130,377
Other commercial		0		4,005		0		4,893		3,174		12,072
Residential real estate		6,049		0		0		0		5		6,054
Construction & land development		250		0		849		0		1,170		2,269
Consumer:
Bankcard		0		0		0		0		0		0
Other consumer		0		0		0		0		0		0

Total	$	13,129	$	4,005	$	849	$	92,773	$	62,476	$	173,232

Schedule of Risk Category of Loans by Class of Loans and Leases

Based on the most recent analysis performed, the risk category of loans and leases as well as charge-offs and recoveries by class of loans is as follows. Loans originated in any year may be renewals of existing loans and not necessarily new loans.

Commercial Real Estate – Owner-occupied


	Term Loans Origination Year												Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
As of September 30, 2026	2026		2025		2024		2023		2022		Prior		Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
Internal Risk Grade:
Pass	$	266,840	$	365,549	$	337,375	$	168,575	$	278,382	$	662,382	$	55,265	$	0	$	2,134,368
Special Mention		0		51		0		0		1,277		7,744		7,205		0		16,277
Substandard		0		0		0		253		3,627		19,202		3,369		0		26,451
Doubtful		0		0		0		0		0		197		0		0		197

Total	$	266,840	$	365,600	$	337,375	$	168,828	$	283,286	$	689,525	$	65,839	$	0	$	2,177,293

Current-period charge-offs		0		0		0		0		0		0		0		0		0
Current-period recoveries		0		0		0		0		9		242		0		0		251

Current-period net recoveries	$	0	$	0	$	0	$	0	$	9	$	242	$	0	$	0	$	251


	Term Loans Origination Year													Revolving loans amortized cost basis		Revolving loans and leases converted to term loans		Total
As of December 31, 2025	2025		2024		2023		2022		2021		Prior			Revolving loans amortized cost basis		Revolving loans and leases converted to term loans		Total
Internal Risk Grade:
Pass	$	353,313	$	362,198	$	196,733	$	301,328	$	278,290	$	555,204		$	51,711	$	0	$	2,098,777
Special Mention		0		0		4,842		0		0		3,727			2,695		0		11,264
Substandard		0		246		4,027		3,402		0		19,671			8,220		116		35,682
Doubtful		0		0		0		0		0		198			0		0		198

Total	$	353,313	$	362,444	$	205,602	$	304,730	$	278,290	$	578,800		$	62,626	$	116	$	2,145,921

Current-period charge-offs		0		0		0		0		0		(228	)		0		0		(228	)
Current-period recoveries		0		0		0		14		0		304			0		0		318

Current-period net recoveries	$	0	$	0	$	0	$	14	$	0	$	76		$	0	$	0	$	90

Commercial Real Estate – Nonowner-occupied


	Term Loans Origination Year													Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
As of September 30, 2026	2026		2025		2024		2023		2022		Prior			Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
Internal Risk Grade:
Pass	$	1,929,686	$	1,561,307	$	1,005,582	$	710,566	$	1,416,103	$	1,799,165		$	143,266	$	0	$	8,565,675
Special Mention		0		1,959		0		16,608		72,704		209,219			0		0		300,490
Substandard		0		0		1,775		8,876		40,847		93,000			22,537		0		167,035
Doubtful		0		0		0		0		0		0			0		0		0

Total	$	1,929,686	$	1,563,266	$	1,007,357	$	736,050	$	1,529,654	$	2,101,384		$	165,803	$	0	$	9,033,200

Current-period charge-offs		0		0		0		0		0		(15,560	)		0		0		(15,560	)
Current-period recoveries		0		0		0		0		0		75			0		0		75

Current-period net charge-offs	$	0	$	0	$	0	$	0	$	0	$	(15,485	)	$	0	$	0	$	(15,485	)


	Term Loans Origination Year													Revolving loans amortized cost basis		Revolving loans and leases converted to term loans		Total
As of December 31, 2025	2025		2024		2023		2022		2021		Prior			Revolving loans amortized cost basis		Revolving loans and leases converted to term loans		Total
Internal Risk Grade:
Pass	$	1,628,785	$	856,235	$	760,043	$	1,917,759	$	1,165,300	$	1,397,941		$	143,406	$	0	$	7,869,469
Special Mention		1,983		0		7,058		51,603		113,708		120,213			0		0		294,565
Substandard		0		0		5,431		48,950		5,323		97,607			22,175		0		179,486
Doubtful		0		0		0		0		0		0			0		0		0

Total	$	1,630,768	$	856,235	$	772,532	$	2,018,312	$	1,284,331	$	1,615,761		$	165,581	$	0	$	8,343,520

Current-period charge-offs		0		0		0		0		0		(35,798	)		0		0		(35,798	)
Current-period recoveries		0		0		0		0		0		160			0		0		160

Current-period net charge-offs	$	0	$	0	$	0	$	0	$	0	$	(35,638	)	$	0	$	0	$	(35,638	)

Other commercial


	Term Loans and leases Origination Year																		Revolving loans and leases amortized cost basis			Revolving loans and leases converted to term loans		Total
As of September 30, 2026	2026			2025			2024			2023			2022			Prior			Revolving loans and leases amortized cost basis			Revolving loans and leases converted to term loans		Total
Internal Risk Grade:
Pass	$	407,844		$	563,577		$	293,922		$	358,820		$	122,063		$	835,809		$	1,146,704		$	20	$	3,728,759
Special Mention		74			0			398			221			292			11,553			261			0		12,799
Substandard		0			55			2,446			2,391			753			24,895			2,554			0		33,094
Doubtful		0			0			0			0			0			0			0			0		0

Total	$	407,918		$	563,632		$	296,766		$	361,432		$	123,108		$	872,257		$	1,149,519		$	20	$	3,774,652

Current-period charge-offs		(60	)		(13	)		(170	)		(268	)		(602	)		(4,032	)		(1,058	)		0		(6,203	)
Current-period recoveries		0			5			1			62			0			895			30			0		993

Current-period net charge-offs	$	(60	)	$	(8	)	$	(169	)	$	(206	)	$	(602	)	$	(3,137	)	$	(1,028	)	$	0	$	(5,210	)


	Term Loans and leases Origination Year																	Revolving loans and leases amortized cost basis			Revolving loans and leases converted to term loans		Total
As of December 31, 2025	2025		2024			2023			2022			2021			Prior			Revolving loans and leases amortized cost basis			Revolving loans and leases converted to term loans		Total
Internal Risk Grade:
Pass	$	628,597	$	373,700		$	472,334		$	214,442		$	324,424		$	600,824		$	1,117,879		$	47	$	3,732,247
Special Mention		5		431			117			949			1,128			9,012			458			0		12,100
Substandard		0		1,689			2,853			6,225			6,926			17,469			5,324			0		40,486
Doubtful		0		0			0			0			0			0			0			0		0

Total	$	628,602	$	375,820		$	475,304		$	221,616		$	332,478		$	627,305		$	1,123,661		$	47	$	3,784,833

Current-period charge-offs		0		(48	)		(150	)		(229	)		(1,625	)		(2,459	)		(913	)		0		(5,424	)
Current-period recoveries		0		0			27			75			32			2,111			64			0		2,309

Current-period net charge-offs	$	0	$	(48	)	$	(123	)	$	(154	)	$	(1,593	)	$	(348	)	$	(849	)	$	0	$	(3,115	)

Residential Real Estate


	Term Loans Origination Year														Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
As of September 30, 2026	2026		2025		2024		2023			2022		Prior			Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
Internal Risk Grade:
Pass	$	782,157	$	777,444	$	400,403	$	631,637		$	1,402,225	$	1,706,843		$	533,853	$	138	$	6,234,700
Special Mention		10		0		161		651			0		1,819			584		0		3,225
Substandard		0		0		306		831			200		18,128			122		0		19,587
Doubtful		0		0		0		0			0		0			0		0		0

Total	$	782,167	$	777,444	$	400,870	$	633,119		$	1,402,425	$	1,726,790		$	534,559	$	138	$	6,257,512

Current-period charge- offs		0		0		0		(74	)		0		(277	)		0		0		(351	)
Current-period recoveries		0		0		0		0			16		72			12		0		100

Current-period net (charge-offs) recoveries	$	0	$	0	$	0	$	(74	)	$	16	$	(205	)	$	12	$	0	$	(251	)


	Term Loans Origination Year																	Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
As of December 31, 2025	2025		2024			2023			2022			2021			Prior			Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
Internal Risk Grade:
Pass	$	746,665	$	427,238		$	784,994		$	1,608,513		$	822,932		$	1,148,481		$	533,509	$	160	$	6,072,492
Special M e ntion		0		476			104			0			0			4,048			637		0		5,265
Substandard		0		407			107			0			7,800			11,984			207		0		20,505
Doubtful		0		0			0			0			0			0			0		0		0

Total	$	746,665	$	428,121		$	785,205		$	1,608,513		$	830,732		$	1,164,513		$	534,353	$	160	$	6,098,262

Current-period charge-offs		0		(67	)		(205	)		(189	)		(6	)		(532	)		0		0		(999	)
Current-period recoveries		0		0			0			0			2			701			1		0		704

Current-period net (charge- offs) recoveries	$	0	$	(67	)	$	(205	)	$	(189	)	$	(4	)	$	169		$	1	$	0	$	(295	)

Construction and Land Development


	Term Loans Origination Year												Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
As of September 30, 2026	2026		2025		2024		2023		2022		Prior		Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
Internal Risk Grade:

Pass	$	726,331	$	954,108	$	727,701	$	383,801	$	176,688	$	64,965	$	271,588	$	0	$	3,305,182
Special Mention		0		0		6,545		12,160		12,093		49,559		0		0		80,357
Substandard		0		1,399		305		3,329		299		7,455		100		0		12,887
Doubtful		0		0		0		0		0		0		0		0		0

Total	$	726,331	$	955,507	$	734,551	$	399,290	$	189,080	$	121,979	$	271,688	$	0	$	3,398,426

Current-period charge-offs		0		0		0		0		0		0		0		0		0
Current-period recoveries		0		0		0		1		0		351		0		0		352

Current-period net recoveries	$	0	$	0	$	0	$	1	$	0	$	351	$	0	$	0	$	352


	Term Loans Origination Year															Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
As of December 31, 2025	2025		2024		2023			2022		2021			Prior			Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
Internal Risk Grade:
Pass	$	1,031,215	$	992,846	$	693,752		$	401,811	$	65,460		$	27,716		$	305,750	$	0	$	3,518,550
Special Mention		0		2,827		30,509			0		4,208			8,281			0		0		45,825
Substandard		541		0		4,468			34		0			1,484			0		0		6,527
Doubtful		0		0		0			0		0			0			0		0		0

Total	$	1,031,756	$	995,673	$	728,729		$	401,845	$	69,668		$	37,481		$	305,750	$	0	$	3,570,902

Current-period charge-offs		0		0		(141	)		0		(103	)		(164	)		0		0		(408	)
Current-period recoveries		0		0		0			0		0			225			0		0		225

Current-period net (charge-offs) recoveries	$	0	$	0	$	(141	)	$	0	$	(103	)	$	61		$	0	$	0	$	(183	)

Bankcard


	Term Loans Origination Year												Revolving loans amortized cost basis			Revolving loans converted to term loans		Total
As of September 30, 2026	2026		2025		2024		2023		2022		Prior		Revolving loans amortized cost basis			Revolving loans converted to term loans		Total
Internal Risk Grade:
Pass	$	0	$	0	$	0	$	0	$	0	$	0	$	9,086		$	0	$	9,086
Special Mention		0		0		0		0		0		0		82			0		82
Substandard		0		0		0		0		0		0		47			0		47
Doubtful		0		0		0		0		0		0		0			0		0

Total	$	0	$	0	$	0	$	0	$	0	$	0	$	9,215		$	0	$	9,215

Current-period charge-offs		0		0		0		0		0		0		(174	)		0		(174	)
Current-period recoveries		0		0		0		0		0		0		27			0		27

Current-period net charge-offs	$	0	$	0	$	0	$	0	$	0	$	0	$	(147	)	$	0	$	(147	)


	Term Loans Origination Year												Revolving loans amortized cost basis			Revolving loans converted to term loans		Total
As of December 31, 2025	2025		2024		2023		2022		2021		Prior		Revolving loans amortized cost basis			Revolving loans converted to term loans		Total
Internal Risk Grade:
Pass	$	0	$	0	$	0	$	0	$	0	$	0	$	9,603		$	0	$	9,603
Special Mention		0		0		0		0		0		0		28			0		28
Substandard		0		0		0		0		0		0		55			0		55
Doubtful		0		0		0		0		0		0		0			0		0

Total	$	0	$	0	$	0	$	0	$	0	$	0	$	9,686		$	0	$	9,686

Current-period charge-offs		0		0		0		0		0		0		(320	)		0		(320	)
Current-period recoveries		0		0		0		0		0		0		55			0		55

Current-period net charge-offs	$	0	$	0	$	0	$	0	$	0	$	0	$	(265	)	$	0	$	(265	)

Other Consumer


	Term Loans Origination Year																		Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
As of September 30, 2026	2026			2025			2024			2023			2022			Prior			Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
Internal Risk Grade:
Pass	$	319,742		$	258,035		$	62,202		$	49,835		$	91,135		$	30,887		$	1,890	$	0	$	813,726
Special Mention		522			1,329			439			658			3,751			1,958			14		0		8,671
Substandard		42			99			6			34			372			234			0		0		787
Doubtful		0			0			0			0			0			0			0		0		0

Total	$	320,306		$	259,463		$	62,647		$	50,527		$	95,258		$	33,079		$	1,904	$	0	$	823,184

Current-period charge-offs		(18	)		(354	)		(25	)		(167	)		(1,426	)		(948	)		0		0		(2,938	)
Current-period recoveries		4			21			14			29			452			555			0		0		1,075

Current-period net charge-offs	$	(14	)	$	(333	)	$	(11	)	$	(138	)	$	(974	)	$	(393	)	$	0	$	0	$	(1,863	)


	Term Loans Origination Year																		Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
As of December 31, 2025	2025			2024			2023			2022			2021			Prior			Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
Internal Risk Grade:
Pass	$	346,057		$	90,623		$	79,353		$	157,220		$	57,987		$	18,929		$	2,104	$	0	$	752,273
Special Mention		682			446			821			6,741			3,794			1,171			13		0		13,668
Substandard		221			57			88			617			464			101			7		0		1,555
Doubtful		0			0			0			0			0			0			0		0		0
Total	$	346,960		$	91,126		$	80,262		$	164,578		$	62,245		$	20,201		$	2,124	$	0	$	767,496

Current-period charge-offs		(15	)		(185	)		(507	)		(4,547	)		(1,698	)		(783	)		0		0		(7,735	)
Current-period recoveries		0			7			78			642			273			429			0		0		1,429

Current-period net charge-offs	$	(15	)	$	(178	)	$	(429	)	$	(3,905	)	$	(1,425	)	$	(354	)	$	0	$	0	$	(6,306	)